OSAP and Other Government Aid

The Ontario Student Assistance Program (OSAP) is a government financial aid program made up of a mix of grants and loans. Once you apply and qualify for OSAP, you’ll be considered automatically for other sources of funding, like UTAPS. If you’re from another Canadian province, territory, or First Nations band, you can apply for aid through your government’s financial aid program or your First Nations band.

University of Toronto Financial Aid (UTAPS)

Does your government financial aid not quite cover all your costs? UTAPS is for full-time students who receive the maximum government financial aid available but whose funding still doesn’t cover all their university costs. UTAPS helps fill the financial gap. Ontario residents must be receiving OSAP to be considered. If you’re receiving financial aid from another Canadian province, territory or a First Nations band, you may be eligible for UTAPS too.

Financial Aid/ UTAPS Online Estimator: How much funding could I receive?

Use the Financial Aid/ UTAPS Online Estimator to get an estimate of how much Financial Aid/ UTAPS funding you could receive. This can help with planning your finances for your University studies.

Other Loans and Student Lines of Credit

Entering a professional program like Law or Medicine? You might qualify for a low-interest bank line of credit through the Scotia Professional Plan for Students. Or if you’re a US citizen, the US Direct Loan Program could provide the support you need.

Your university fees consist of tuition, incidental and ancillary fees, and are based on several factors. In addition, you’ll want to consider other costs such as books, supplies, residence, transportation, food and other expenses.

If you are a Canadian citizen, permanent resident or protected person, there are many sources of financial aid available to help you cover the costs of your University of Toronto education – from OSAP and other government aid, to assistance provided by the University. Explore your options.

If you are an international applicant, you should find out about your home country’s financial aid programs to see if you qualify for assistance. The University of Toronto is a publically-funded institution and because of that cannot offer financial aid to international students.

I’m an international applicant, can I receive financial assistance from U of T?

The University of Toronto is a publically-funded institution and because of that cannot offer financial aid to international students. If you are an international applicant, you should find out about your home country’s financial aid programs to see if you qualify for assistance.

Submit your OSAP application, then print and sign the consents and declaration pages - and any other required supporting documentation - and either upload them through your OSAP account online, or submit by mail or in person to Enrolment Services.

Follow the instructions provided to submit your Master Student Financial Assistance Agreement (MSFAA) at a Designated Canada Post Office to be forwarded to the National Student Loan Service Centre (NSLSC).

If you are a returning applicant you may not need to submit any documentation.

Eligible high school students are automatically considered for a variety of admission scholarships when they apply to the University. There are also admissions scholarships that require a separate application, and others that require you to complete an awards profile.

Note, however, that the value of scholarships is rarely sufficient to cover all costs the student will incur while attending University of Toronto.